What happens to additional contributions if you die as an active member

The table below explains what your loved ones may receive if you die while you're an active member and have paid additional contributions. The amount payable will depend on the type of contribution you paid and when those payments stopped.

What happens to your additional contributions if you die – Active members
Type of contract	Additional contributions stopped	Dependants’ benefits payable from additional contributions**	*Death Grant Lump Sum payable from additional contributions**
Additional Voluntary Contributions (AVCs)	Before date of death	Nothing is payable	AVC fund value
Additional Voluntary Contributions (AVCs)	On date of death	Nothing is payable	AVC fund value
AVC life insurance	Before date of death	Check terms with AVC provider	Check terms with AVC provider
AVC life insurance	On date of death	Check terms with AVC provider	Check terms with AVC provider
Additional Regular Contributions (ARCs) with dependants’ benefits	Before date of death (contract complete or ceased before completion) or on date of death (contract not completed)	37.5% of ARC pension bought is payable to your surviving partner Varying % of ARC pension bought payable to your surviving eligible children	Nothing is payable
ARCs without dependants’ benefits	Before date of death (contract complete or ceased before completion) or on date of death (contract not completed)	Nothing is payable	Nothing is payable
Additional Pension Contributions (APCs)	Before date of death (contract complete or ceased before completion) or on date of death (contract not completed)	Nothing is payable	Nothing is payable
Qualifying Additional Pension Arrangement (QAPA)	Before date of death (contract complete or ceased before completion)	30.625% of QAPA pension bought is payable to your surviving partner Varying % of QAPA pension bought payable to your surviving eligible children	Nothing is payable
Qualifying Additional Pension Arrangement (QAPA)	On date of death (contract not completed)	30.625% of full QAPA pension amount is payable to your surviving partner Varying % of full QAPA pension amount is payable to your surviving eligible children	Nothing is payable
Added Years	Before date of death (contract complete or ceased before completion)	50% of pension derived from the Added Years bought is payable to your surviving partner Varying % of pension derived from the Added Years bought is payable to your surviving eligible children	Nothing is payable
Added Years	On date of death (contract not completed)	50% of pension derived from the full Added Years contract is payable to your surviving partner Varying % of pension derived from the full Added Years contract is payable to your surviving eligible children	Nothing is payable

*Technically, the Death Grant Lump Sum is paid at the discretion of the EAPF, though in most cases, it will be paid to your nominated beneficiary or beneficiaries.

**Surviving partners and eligible children must meet the Scheme’s eligibility criteria to be entitled to these benefits.

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